A home loan that fits the life you are building.

Conventional loans follow Fannie Mae and Freddie Mac guidelines. The 2026 baseline conforming limit is $832,750 in most U.S. counties.

Best starting point for many buyers and refinancers.

FHA loans are insured by HUD/FHA and may allow down payments as low as 3.5%, subject to credit and program guidelines.

Useful when cash-to-close is the main constraint.

VA loans may allow no down payment and no monthly private mortgage insurance when eligibility and property requirements are met.

Worth checking early if you have VA entitlement.

USDA guaranteed loans can support no-down-payment financing for eligible borrowers and eligible properties.

A strong fit when the property location qualifies.

Jumbo loans use lender-specific guidelines and often require stronger reserves, credit, and documentation.

Compare lender overlays before assuming one answer.

Adjustable-rate mortgages can help in certain time horizons, especially when the plan is to move or refinance later.

Model both the starting payment and future adjustment range.

FHA 203K loans can combine purchase or refinance financing with renovation funds for qualifying projects.

Best discussed before writing an offer on a fixer-upper.

HECM reverse mortgages are FHA-insured loans for eligible homeowners age 62 and older.

Requires careful review of long-term costs and obligations.

Cash-out refinancing replaces the current mortgage with a larger one and returns eligible equity as cash.

Compare the new rate, term, payment, and total interest.